Tricare payments for military and retiree households will increase in 2025, with increases likely to be in the 2% to 3% range.
In 2024, costs increased as well.
The military health system announced the new rates Thursday. Many Tricare Prime and Tricare Select users will see lower out-of-pocket costs for medical services, but will see higher annual enrollment fees and deductibles. The biggest increase in 2025 will be in monthly premiums for Tricare Retired Reserve and Tricare Young Adult members.
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Tricare's open enrollment season, where members can change their health insurance coverage for the coming year, will run from Nov. 11 to Dec. 10.
Tricare Dental Program fees have already changed on November 1st and will continue through February 2025 due to contract changes between Tricare and the dental program operator. Current costs for the Tricare Pharmacy Program will continue through the end of 2025. According to the announcement.
tricare group
Costs vary depending on which Tricare “group” a member belongs to and are determined by the date the service member first entered the military. Group A consists of people who joined the company before January 1, 2018, and Group B includes people who joined the company after that date.
Admission fee
Working families won't pay an annual enrollment fee for Tricare Prime or Tricare Select, but retirees will see an increase in enrollment fees next year.
The annual enrollment fee for Group A retirees enrolled in Tricare Select will increase from $355.92 to $364.92 for families and from $177.96 to $181.92 for individuals. For Group A retirees with Tricare Prime, the family plan enrollment fee will increase from $726 to $744, and the annual cost for individuals will increase from $363 to $372.
Tricare Group B retirees are seeing a similar increase. The annual subscription fee for the Prime Family Plan will increase from $879 to $900.96, and the annual subscription fee for the Individual Plan will increase from $426 to $438.96. Tricare Select enrollment fees will increase from $1,131 to $1,158.96 for families and from $438.96 to $579 for individuals.
Deductible amount
The annual deductible (the amount Tricare Select customers must pay out of pocket before Tricare makes payments) will also increase in 2025. Members using Tricare Prime do not pay a deductible.
For Group A working family members and retirees, there is no change to the deduction amount.
However, for military members in the rank of E-4 and below in Group B, the family deduction will increase from $125 to $128, and for families with sponsors in Group B E-5 and above, the deduction will increase from $377 to $386. increase.
Individual service members in Group B will also see their deductibles increased in 2025, from $62 to $64 for E-4s and below, and from $188 to $193 for E-5s and above.
copay
Many co-pays will also go up next year. However, the cost of a primary care visit for active Tricare Select users with Group A family members will remain at $27 in 2025., Primary care copays for Group B families will increase from $18 to $19.
Primary care visits for retirees using Tricare Select will drop from $36 to $37 in Group A and from $31 to $32 in Group B.
Those on Tricare Prime will continue to pay $25.
insurance premium
Some Tricare plans are premium-based, and their monthly premiums will increase in 2025.
For reservists, Tricare Reserve Select premiums range from $51.95 to $53.80 for individual members and $256.87 to $274.48 for family members.
The Tricare Retired Reserve will increase from $585.24 to $631.26 for individuals and from $1,406.22 to $1,513.04 for families.
TriCare Young Adult Program premiums for dependents of members ages 21 to 26 will go from $637 to $727 per month for Prime coverage and from $311 to $337 per month for Select. It will be.
devastating cap
The catastrophic cap is a Tricare beneficiary's maximum out-of-pocket expense for all medical care provided each year. Limits beneficiary liability in case of serious illness or injury. Once a beneficiary reaches the annual out-of-pocket or pharmacy fee cap, Tricare will pay the rest in full.
Group A retirees with Tricare Select will see this cap increase from $4,157 to $4,261 in 2025. For Group B retirees, it increases from $4,399 to $4,509.
For active family members in Group A with either Tricare Select or Tricare Prime, the limit remains at $1,000 per year, but for Group B, the limit increases from $1,256 to $1,288.
For more information, including a breakdown of all new enrollment fees and copays, please visit the Tricare details page.
Tricare Prime coverage details
Tricare Select compensation details
Related: Everything you need to know about Tricare Open Enrollment
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